I owe the library books and have fines, will it affect my credit?

Question

I just found 2 books in my closet that's about 2 years over due. I don't really feel like returning it but people are telling me its going to affect my credit.

Right now i'm only 17 and i have a few weeks before i'm an "adult". So while i'm still a "minor" would like to get this paid and what not IF IT WILL affect my credit.

I live in new york so will the NYPL charge me for 2 years if I do return it and they make me pay?

Answer 1

The NYPL uses Unique credit collection agency.  If you don't return the books it will effect your credit rating.  

Return the books.  There is usually a maximum fine charge that is less than the cost of the book.  At my library it is $10.

Answer 2

Take the books back and pay the fine. They never charge more than the price of the book if it's lost. Relax, it's no big deal.